Do You Have a Personal Insurance Agent?

When it comes to buying insurance, you can purchase it online yourself through a well-known insurance carrier, a captive agent or you can buy it through a local insurance agency. When you buy it online yourself, you may find it can be more challenging to manage your insurance policy. When you have to call an 800 number to ask a question about your policy or make a claim, sometimes you may feel like you aren’t receiving a personal touch.

As a local insurance agency, we want to share the benefits of having a personal insurance agent when it comes to purchasing insurance.

Do you have a professional insurance agent you trust?

Just like having a doctor or dentist, we want to be a professional you can trust when it comes to buying insurance. Insurance can be tricky and difficult to understand. We are here to explain the differences in insurance coverage to ensure you have the right coverage for your specific needs.

Have a quick insurance question? Email or call your agent directly.

We love answering all your insurance questions. We get questions all the time from our customers.

  • Do I need to buy rental car insurance for my upcoming vacation or will my personal auto insurance cover me?
  • I am renting a U-haul, do I need to buy their coverage?
  • Do I have any gaps in my insurance coverage?
  • I just purchased a boat, does my homeowner’s insurance cover me or do I need additional insurance coverage?
  • Should I purchase flood or earthquake insurance?
  • Should I increase my limits on my umbrella insurance? I just purchased my first investment property.
  • Should I have life insurance at my age? What are the benefits?

Questions like the ones listed above are easily answered from our agents! We are here to answer all your questions. With a simple email or call, you can get an answer from your insurance agent directly.

My insurance premium increased significantly and I haven’t turned in any claims. Help!

If you purchase insurance from a well-known insurance company directly, it may be hard to find a better rate at renewal without having to sacrifice insurance coverage. Luckily, local, independent insurance agents represent several companies instead of just one. If you find your insurance premium is too high for your budget, reach out to your agent at renewal. We can shop similar coverage with a different insurance carrier. You might be surprised to find several quotes to choose from!

If you don’t have a personal insurance agent, reach out to our agency. We’d love to review your current insurance coverage, answer your questions or simply be the personal, professional agent you need in your life. Our agency can help you with all your auto, home, business or life insurance needs.

Looking for an Auto Insurance Discount? Consider Telematics.

Many insurance carriers offer telematics for an auto insurance discount. If you are seeking out additional auto insurance discounts to lower your monthly or annual premium, talk to your insurance agent to see if your carrier offers telematics. Many carriers do!

How does telematics work?

A telematics device monitors how you drive a vehicle. Your insurance carrier mails you a vehicle tracking device, you insert it into your vehicle’s onboard diagnostic port under your dash and then it monitors how you drive for an extended amount of time. Once it is setup, it runs all on its own until it is time for you to return it back to your insurance carrier.

The telematics device determines how safe of a driver you are based on measuring your speed, how hard you brake when stopping your vehicle and how many miles you drive. It also looks into what time of day you drive. It is important to note that not all insurance carriers follow the same guidelines or look at the same data.

Curious to see how safe you drive? Talk to your insurance agent to see if your carrier provides a driving report. The telematics device can show a detailed report of your driving habits that can help you become more aware of your driving behaviors. By reviewing this information, it can help you become aware of your current driving habits and if you are currently considered a safe driver.

Once you have completed the timeframe of using the telematics device, you’ll mail it back to your insurance carrier and they will review it.

If my insurance carrier offer telematics, should I do it?

It’s up to you! Not only do you receive a discount for participating, but your insurance carrier may continue to provide discounts in the future for being a safe driver. Some carriers also give you a discount every 6-12 months for being claims-free. This could be rewarded with a mailed check or a discount at renewal.

Talk to your agent about telematics or receive a free auto insurance policy review.

As your insurance agent, we want to ensure you have the best auto insurance coverage for your needs. If you are unhappy with your current premium rate, we can shop our carriers for additional discounts like telematics or simply quote you with other carriers. Don’t hesitate to reach out to us.

Do Millennials Need Renters Insurance? Learn the Benefits.

If you are a millennial, there is a good chance you rent a home, apartment or condo. According to surveys, up to 70% of millennial renters do not have renters insurance. This is an alarming statistic. Whether you are a young professional or finishing up your college degree, every renter should have a renters insurance policy.

Simple reasons millennials choose not to buy renters insurance –

“I am secure enough from potential damages”

Is this true? If your apartment, condo or home was in a fire and you lost all your valuables, would you feel financially secure enough to replace everything?

“I don’t see the value in renters insurance?”

Instead of it being a value issue, some millennials may not fully understand what renters insurance actually covers. So, we thought it would be good to break down exactly how renters insurance works (see below).

Another common thought, “if my apartment, home or condo is damaged in a fire, flood, etc., my landlord covers the damages?”

Your landlord most likely would not be required to cover damages to any of your personal belongings.

What Renters Insurance Covers

Renters insurance covers your personal property: Items that you own from your furniture, clothing, computer, kitchen items and more.

Renters insurance provides you with liability coverage: Coverage limits vary, but if you someone were to injure themselves in your home, you would have protection. Other common examples include your dog bites your friend or a friend falls in your kitchen and breaks her wrist because you left water on the floor.

Renters insurance may cover the cost of temporary housing. If your home, apartment or condo has major damage that prevents you from being able to live there, renters insurance may cover the cost of a hotel room.

Did you also know that renters insurance is very affordable?

Renters insurance can be as cheap as $1/day. While most renters insurance policies provide $100,000 in liability coverage, you can increase this limit. Talk to your insurance agent about how a bump in liability coverage can provide additional protection at a very affordable price.

Speak with an agent in our office today!

Whether you are renting an apartment, condo or home, there are many benefits of having a renters insurance policy. Contact our agency with your questions! We represent the top insurance carriers and can quote you with all our carriers at once for renters insurance. We’ll explain your options and show you a side by side comparison of coverage options. Get your free quote over the phone or email.

What You Need to Know About Vacation Home Insurance

When it comes to insuring a vacation home, the insurance landscape can look slightly different from that of primary homes. While the risks are relatively similar, you’ll find that some added perils come with vacation homes. These risks vary with how you intend to use your second home.

Personal Use
If a vacation home is often left vacant for long periods, the chances of burglary, vandalism, and unnoticed damage may rise considerably. Moreover, the house’s location can expose it to further damages such as flooding, fires, or wind damage, which may not be attended to in due time considering the vacant status of the house. Insurance providers take all of this into consideration when determining your policy premium. You’ll likely be offered a comprehensive insurance policy in order to cover all risks adequately. Be sure to clarify whether you intend to keep the house vacant for extended periods or visit regularly. Vacant home insurance and vacation home insurance, while similar, are not the same.

Intentions of renting
If you’re considering renting your vacation home or allowing others to stay in it, your policy will look different. Aside from protecting your second home structure, it’s a good idea to ensure that you have enough personal liability coverage. An Umbrella insurance policy can cover any claims against you due to injury or damages that occurred on the property. Be sure to look into liability coverage, which covers any personal injuries sustained by someone while they’re on the property. This policy could also include medical payments coverage.

Moreover, rent-loss insurance could be a worthwhile investment considering that it covers any financial losses amassed during times when rent cannot be paid (damages, natural disaster, and much more.) It is also worth looking into a landlord policy, which can cover you for damages while even replacing lost income if the property is being rebuilt or repaired following a covered loss.

Do I really need to insure my vacation home?
While not strictly necessary, it’s highly recommended to get coverage for your secondary-home. Damages to a vacation home, whether first or second-party, can be financially crippling. Additionally, if your vacation home has a mortgage, your lender may require property insurance as a condition of borrowing.

How much will my insurance policy cost?
Depending on several factors such as the home’s age, condition, and location, the amount you’ll pay for a homeowners insurance policy can fluctuate. However, overall, expect to pay higher than with regular home insurance.

The best way to get more information on vacation home insurance is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Get A Quote For Your Insurance Today

Our licensed staff is ready to help you get multiple vacation home insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.

How to Determine The Right Insurance Carrier For You

How do I choose the right insurance company when there are so many to choose from?

With such a large selection to choose from, it can be hard to know which insurance company is right for you. Many people revert to shopping based solely on price or they rely on recommendations from friends and family to evaluate which insurance company to go with. But your decision should be based on more than just cost or a recommendation from a loved one. Let’s take a look at how you can choose the right insurance company for your needs without having to spend hours of research.

Rankings

The results of consumer surveys are easy to find online and often offer more reliable information than individual online reviews. These surveys are generally in-depth inquiries into specific sectors of a market. Those responding to the survey will be asked several questions about their satisfaction with the insurance company and how much they pay for their various policies. You can even get insights on the best insurance company for specific issues such as claims satisfaction, availability of discounts, or customer service. Consumer survey results are available for many types of insurance including auto, home, health, and life.

Financial Stability

If an insurance company is weak financially, then there could be issues with paying incoming claims. That’s especially a concern if there’s a natural disaster and the company is hit with a large number of claims in a short amount of time. Financial stability ratings are available online and it’s worth doing some homework, especially if you’re considering going with a smaller or lesser known insurance provider.

Payment Plans

Different insurance companies take a different approach to payments. It’s best to look for a company that offers multiple payment plans. Some of the more flexible insurance companies offer discounts for automatic withdrawals or paying the premium in full. Likewise, beware of companies that charge excessive fees with each monthly payment as those costs can add up over time.

Buying Online vs Purchasing From an Independent Agent 

There are many big-name insurance companies that saturate the media with advertisements and commercials touting how much you can save in very little time. But these companies are not always the best option. While you may see and hear a lot less about independent agents, they offer some unbeatable benefits. These insurance professionals will take the time to understand your personal insurance needs and offer advice on which insurance companies are best for you. Independent agents have access to multiple insurance companies and they can effectively shop around for a policy that matches precisely what you’re looking for.

The best way to get more information on the best insurance company for you is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Call Us Today For A Free Consultation

Our licensed staff is ready to help you get multiple insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.

Tips & Tricks on How to Cook Healthy Meals On A Road Trip

Did you purchase a RV this past year or have you found you enjoy taking road trips? With the COVID-19 pandemic, many people invested in a RV, travel trailer or simply went camping more in order to safely travel & enjoy the beautiful outdoors. When you are taking a road trip, you do have to figure out how you plan to eat. Fast food and takeout from restaurants may be your first thought.

Have you ever considered that you can eat a great home-cooked meals on the road that doesn’t require much cooking at all? Of course, you can always make a grocery store run & cook just as you would cook a meal at home. But, this might mean buying all of the little things like spices, oils, etc.

In this blog, we share how to eat healthy on the road without having to spend too much time cooking. Plus, you might find you can get away with packing less.

Our basic cooking essentials – do you own the following items?

  • Portable Stove
  • Small Gas Barbeque
  • Pot, Pan or both
  • Water jug container (for cooking and cleaning pots/pans)
  • Soap/Sponge (for cleaning pots/pans)
  • Utensils and Paper Plates
  • Garbage Bag
  • Lighter
  • Propane Tank + an extra
  • A good cooler (if you are on a longer road trip, we love a cooler that can plug into your car!)
  • Ice Packs or Ice Bag

Having the following items above is a great start. They don’t take up too much space and provide you with everything you need to cook, eat & clean up afterwards.

Next, how can I prepare a delicious, healthy meal with minimal cooking?

Batch cook.

Batch cooking is simply preparing meals in your home before your trip. Choosing meals that freeze easy are key. Once you have cooked your meal at home, throw it into the freezer at least 24 hours before your trip. The day you are leaving for your trip, load it into your cooler frozen then layer on your ice packs to keep it cool. When it is time to cook, all you have to do is re-heat it using your portable stove or barbeque.

Some great food suggestions –

  • Frozen cooked burgers (turkey, beef or chicken)
  • Frozen Chili or other soup
  • Meat sauce / vegetable sauce
  • Frozen breakfast sausage links
  • Taco meat
  • Foil vegetables or entrees (prepare vegetables or entrees ahead of time & wrap in foil – simply place on your BBQ grill or unwrap and place into a pot or pan)
  • Frozen pizza slices

How to re-heat your meal? Either place your frozen burger on your barbeque or add your entrée into a pan or pot to re-heat on your portable stove. Within 10 minutes or so, you’ll have a tasty meal!

Other meals that don’t require much cooking –

  • Cold Sandwiches
  • Hot Dogs
  • Yogurt
  • Hard Boiled Eggs
  • Snack foods like rice cakes, chips, pretzels, trail mix
  • Anything that requires boiled water such as oatmeal or noodles
  • Prepared meals you enjoy eating cold (tuna salad, other cold salads and entrees)
  • Raw fruit and vegetables

We hope you found new tips that can help you eat healthy while traveling on the road. While we can’t prepare your meals for you, we can ensure you have the best coverage for your vehicle or RV. Whether you are shopping around for the best rate or are looking to purchase different RV coverage, we are here to help.

What type of insurance do I need for my boat?

When it comes to insuring your boat, it can be hard to know where to start. Most new boat owners start by wondering how much coverage will be provided by an existing home insurance policy. But it’s often best to separate your boat insurance from your homeowner’s policy or any other policies that you might have. The majority of home insurance policies either offer very limited marine specific coverage or don’t cover boats at all.

If your home insurance does provide marine insurance, it’s important to ask what type of coverage is included. Most home insurance policies that have some type of marine insurance included only offer coverage when operating the boat on inland waterways, small lakes, and rivers. Coverage rarely reaches to a coastal inlet or along the beach.  Additionally, the liability limits can be restrictive. Oftentimes a home insurance policy won’t provide coverage for costs that you might be liable for such as salvage work, wreckage removal, and environmental damages.

What are the variables involved in most boat insurance policies?

There are many variables which insurance companies will consider when determining your boat insurance premiums. Some of the most common of these variables include:

  • Length of the boat
  • Age of the boat
  • Overall value of the boat
  • Condition (Does it meet US Coast Guard Standards?)
  • Horsepower of the motor(s)
  • Where it will be kept and operated

What types of boat coverage are there?

There are two basic types of boat insurance —“agreed value” and “actual cash value.” Applying deprecation at the time of a loss is what sets these policy types apart.

An “agreed value” policy insures the boat based on its value when the policy was initially written. While it can cost more upfront, there is no depreciation for a total loss of the boat.

“Actual cash value” policies cost less upfront but factor in depreciation. The policy will only pay the boat’s actual value at the time of loss. Over time, as your boat ages, your insurer will likely insist on an actual cash value policy—and your premiums will likely decrease over time as a result.

What coverages are often available on a stand-alone boat policy?

The availability of specialized coverages is the advantage of purchasing a stand-alone boat policy rather than relying on your home insurance. Some of these coverages include:

  • Accessories Coverage: Coverage for a specific high-value piece of equipment on your boat, such as an expensive prop or navigation equipment.
  • Wreckage Removal: Covers the cost of removing and transporting your boat in the case of severe damage or sinking.
  • Towing: In the event that your boat breaks down, this coverage will reimburse you for the costs associated with getting back to shore.
  • Cruising Extension: You can get temporary, additional coverage for areas outside the USA such as Mexico or the Bahamas.

The best way to get more information on boat insurance is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Get A Quote For Your Boat Insurance Today

Our licensed staff is ready to help you get multiple boat insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.

April is Distracted Driving Awareness Month – Tips to Be a Safer Driver

April is Distracted Driving Awareness Month. According to National Highway Traffic Safety Administration, 3,142 lives were lost from distracted driving accidents. This increased 10% from 2018.

What is considered distracted driving? Any time you cannot have 100% full attention to driving your vehicle is considered distracted driving. Behaviors can range from talking on the phone, texting, talking to a passenger in your vehicle, eating, brushing your hair, adjusting settings in your vehicle or playing with your vehicle’s GPS while driving your vehicle. Unfortunately, distracted driving is more common than it should be.

Take this month to practice safe driving by eliminating any of the previously mentioned behaviors while driving. This will not only make you a safer driver, but keeps other vehicles on the road safer too.

Cell Phone Use

Cell phone use can be one of the most dangerous behaviors while driving a vehicle. Sending a text message while driving can take your eyes off the road for several seconds. Talking on the phone also creates enough distraction while driving. Here are some things to consider practicing this month –

  • Keep your phone in the back seat when driving to avoid looking at it, texting or talking. You could also consider other areas of your car like your trunk or glove box. If the glove box is tempting, place farther away from you like the back seat or trunk.
  • There are options to put a do not disturb setting on your phone while driving. This can help eliminate the distraction.
  • Make phone calls or texts before or after driving your vehicle.
  • If you are riding with a passenger, let the passenger be in charge of your phone for calls or texts.

Be Aware of Other Distracted Driving Behaviors

Do you find yourself eating in the car often? Grooming? Frequently fiddling with your entertainment system? Reaching in the back seat dealing with children? If you are guilty of these behaviors, how can you work to eliminate them?

Be a Good Role Model

Especially if you are a parent to children, you should demonstrate how to be a safe driver. Children see what you do and can easily follow in your footsteps. Cell phone use can be one of the most dangerous behaviors so practice never using your cell phone while driving. If you do not have kids, keep others you love accountable. Not only demonstrate safe driving practices while you are behind the wheel, but call out any of their behaviors you feel are unsafe while in the passenger seat.

While our agents cannot teach out how to practice safe driving, we can shop to find you the best rate for your auto insurance. Call our office for a free auto insurance quote. We’ll shop our carriers and provide you with several quotes to choose from. We’ll explain your coverage options too.

Adam Heuer Featured in the Northern Nevada Business Weekly

President Adam Heuer reflected on the insurance industry shifts, helping our community, and the lessons learned because of the pandemic. Adam Heuer

In February 2020, we shook hands and hugged without hesitation. We packed into convention centers, meeting rooms, restaurants and concert halls — networking, talking, laughing and dancing less than six feet apart.

Then it all went away. In March 2020, as the coronavirus pandemic shut down Nevada and the entire nation, we started bumping elbows instead of shaking hands. We connected via Zoom rather than network in person. We relied on breweries and distilleries for hand sanitizer. We snapped up toilet paper and pasta at breakneck pace. We wore masks when we shopped.

All the while, the business community here was impacted in countless ways, big and small. Some shut down completely, others struggled to reopen, and many more found innovative ways to shift their business model to survive — and some even thrived due to a pandemic-related rise in demand.

One year later, the NNBW fielded responses from more than 20 business owners and executives in Northern Nevada — bars, banks, contractors, developers, Realtors, healthcare providers and more — to find out the biggest lessons they have learned since March 2020, and the biggest differences in how their industry now conducts business.

“As many other businesses experienced, our company needed to be flexible and adaptable as guidelines were continuously updated while operating as normal as possible for our customers. While most of us thought it was going to be 14 days to flatten the curve, it turned into a year of working from home, virtual meetings and conference calls. A couple of years ago, we decided to transition to a paperless agency and moved most of our documents online. With this change already implemented, working from home was an easier transition to make for our employees so we could focus on providing the best policies for all our customers. As we continue to move forward, our team will maintain flexibility and adaptability for our customers and our team. Supporting our community, our team and our clients is crucial during difficult times.”

Read the full feature here One Year Later: Northern Nevada businesses reflect on industry shifts, lessons learned due to the pandemic. 

Winter Tires vs. All-Season Tires – Which Type of Tire Should You Have?

Winter driving brings a whole new element of risk to the road. Driver’s concentration and a car’s integrity are continuously put to the test in frigid weather. Making the decision to change your tires at the right time will keep you safe and will help you to avoid accidents in winter weather. If you live in a seasonal state, then most agree that it’s best to have two sets of tires for your vehicle: a set of all-season tires and a set of winter tires.

What are winter tires?

Winter tires are engineered to perform best on icy roads in sub-zero temperatures. The tread compound is specifically designed to allow for better traction when stopping. This tread gives the tires a better grip on icy roads.

In fact, on average, winter tires can reduce stopping distance by up to 25% on slippery roads – that can mean the difference between stopping well before the car in front of you and a rear-end collision.

What about all-season tires?

Some people, however, argue that all-season tires are just as capable and safe as winter tires considering their name and from experience. But all-season tires have two considerable compositional downfalls when it comes to driving in icy, snowy, or slippery conditions. 

In order to be more durable, all-season tires are designed using a harder and longer-wearing rubber compound than is used in winter tires. This specialized rubber stiffens as temperatures drop, which results in a loss of tire flexibility. The less flexible a tire is, the worse its grip on the road. Moreover, when compared to winter tires, they simply have less surface contact with the ground which results in decreased traction.

How do different sets of tires affect auto insurance policy rates?

Very few insurance companies offer a discount for winter tire use. So switching from all-season tires to winter tires won’t have a direct impact on your auto insurance premiums. However, winter tires have a better chance of keeping you from an accident in cold weather conditions. Avoiding accidents will help to keep your auto insurance rates low.

While winter tires won’t prevent all auto accidents, they certainly lower your driving risk and tend to perform better in snowy conditions than all-season tires. As a result, you can expect a safer winter driving experience which will ultimately result in lower insurance premiums for you in the long run.

If you have questions about auto insurance rates, please call one of our authorized insurance agents. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Get A Quote For Your Auto Insurance Today

Our licensed staff is ready to help you get multiple auto insurance quotes. Because we’re an independent insurance agent we can shop from multiple insurance companies to help you find the right coverage at the right price.